Not All Flood Risk is Equal

December 2017 Flood Map Updates – More than 100 Communities Affected

The month of December is traditionally a busy month, and it appears that the FEMA elves have worked overtime to release revised flood insurance rate maps for more than 100 communities in 10 states: Colorado, North Dakota, Utah, New Jersey, Kentucky, Mississippi, South Carolina, Texas, Georgia, and Louisiana.

The new maps place many homes and buildings in a Special Flood Hazard Area (SFHA), also known as a high-risk flood zone. A flood map reflects a geographic area -not individual property characteristics; determines the price property owners pay for flood coverage, and influences real estate values.

If you own a commercial or residential structure and carry a mortgage in a community that participates in FEMA’s National Flood Insurance Program (NFIP), your lender may require you to purchase flood insurance. Failure to do so within a year of the effective map date may result in forced placed insurance by the lender. Flood insurance costs range from a few hundred dollars in low-risk zones to several thousands of dollars in high-risk zones.

Use the Flood Map Update Tracker below to the learn if your community is on a December 2017 list of revised maps. While the lists only include NFIP participating communities, you can check any location here.

Map Updates: CO, ND, UT

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Map Updates: NJ

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Map Updates: KY, MS

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Map Updates: SC, TX, GA, LA

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Whether a home or building is in or out of the SFHA, property owners must be proactive. Take advantage of a no-cost flood risk evaluation to learn if your property’s mandatory purchase requirement is justified or if the property qualifies for flood zone reclassification. You have a right to know if the cost of flood coverage is too high, too low, or simply unwarranted.

The flood risk evaluation reviews data and documents relating to an individual structure. It includes an examination of the elevation certificate for errors and omissions that adversely affect the price of coverage. Submit your property details in the form below or just contact us for more information.

The National Weather Service in Duluth MN has issued a * Flood Advisory for... Southeastern Aitkin County in east central Minnesota... Northern Pine County in east central Minnesota... * Until 815 AM CDT * At 521 AM CDT, Doppler radar indicated heavy rain due to

.An approaching weather system will result in increased winds that may lead to critical fire weather conditions along the Colorado River Valley and Mohave County, Arizona. Those planing to head out for outdoor recreation early for the holiday weekend should be aware of the fire danger. ...FIRE WEATHER WATCH IN EFFECT FROM FRIDAY MORNING THROUGH

.An approaching weather system will result in increased winds that may lead to critical fire weather conditions along the Colorado River Valley and Mohave County, Arizona. Those planing to head out for outdoor recreation early for the holiday weekend should be aware of the fire danger. ...FIRE WEATHER WATCH IN EFFECT FROM FRIDAY MORNING THROUGH